2. The advantages of Huimin insurance are mostly the same, that is, ① the insurance conditions are relaxed and there is no need for health notification; 2 the price is close to the people, regardless of age, the price is the same, basically within 100 yuan; ③ The insurance coverage is high, basically guaranteed by hospitalization medical insurance and specific drugs, with the insurance coverage exceeding one million.
Extended data
I. Insurance
1. Insurance is the basic means of risk management (under the condition of market economy), an important pillar of the financial system and social security system, and also a way for the insurer to compensate the insured when it meets the contract conditions (when the possible accidents agreed in the contract are responsible for the property losses caused by it, or when the insured dies, is disabled or sick or reaches the age and time limit agreed in the contract).
2. Insurance is a financial arrangement to share accident losses economically, a contractual act in which one party agrees to compensate the other party for losses according to law, an integral part of the social and economic security system in society, and a basic method in risk management.
Second, the insurance subject
1. The subject of insurance is the subject of the insurance contract, including only the applicant and the insurer. The insured, beneficiary and policy owner do not belong to the subject of insurance unless they are the same person as the applicant.
2. The applicant refers to the person who has entered into an insurance contract with the insurer and has the obligation to pay the insurance premium according to the insurance contract. The applicant can be a natural person or a legal person, but must have civil capacity.
3. The insurer, also known as the "insurer", refers to an insurance company that enters into an insurance contract with the applicant and assumes the responsibility of compensation or payment of insurance benefits. There are two forms of China: joint-stock companies and wholly state-owned companies. An insurer is a legal person, and an individual citizen cannot be an insurer.
4. The insured refers to the person whose property interests or person are protected by the insurance contract according to the insurance contract, and who has the right to claim the insurance money after the insurance accident. The insured is often also the insured.
5. Beneficiary refers to the insured or the person designated by the insured to have the right to claim the insurance money in the life insurance contract, and both the insured and the insured can be beneficiaries. If the applicant and the insured have not designated the beneficiary, the legal heir shall be the beneficiary.
6. The policy holder, that is, the person who owns the ownership of the insurable interest, is usually the applicant, beneficiary or policy transferee.